Dashing through the snow, in a brand new snowmobile… Well, that may not be how the song goes but you get the point. Whether Santa was extra good to you or you’re just taking advantage of time off of work & school, now’s the time to be outdoors playing in the snow. You may thing that since you don’t drive the snowmobile on the road you don’t need “snowmobile coverage” or insurance on it. Well…you may want to think again.
What happens when you have a friend on the back and your friend falls off? Or you run over your neighbors mailbox? A typical snowmobile policy should include the following coverage’s:
• Bodily injury and property damage liability – Covers liability for an accident involving injury to other people or property, up to your liability limits.
• Comprehensive and collision coverage – Pays to replace or repair your snowmobile if it is stolen or damaged, regardless of who is at fault.
• Uninsured/underinsured motorist coverage – If you get into an accident with someone who is uninsured or underinsured and you were not the at-fault party, the policy will pay for your medical treatment.
• Roadside assistance – Covers the labor needed for repairs and towing to the nearest repair facility if your snowmobile is disabled.
• Medical payments
Do you have an uninsured snowmobile? Call us today to make sure you and your family are properly protected.
Image source: Timo Newton-Syms, Flickr.com